JP5982524B2 - Account confirmation device, account confirmation method, account confirmation program - Google Patents

Description

  The present invention relates to a technique for confirming an account of a destination financial institution.

  When transferring money from the account of the destination financial institution to the account of the destination financial institution via the network, if the account designated as the transfer destination does not exist in the destination financial institution, the transfer is not performed normally. In such a case, it is desirable to perform the transfer after confirming whether there is an account of the destination financial institution designated as the transfer destination. Thus, for example, there is a method of confirming an account via an integrated ATM switching service that connects a destination financial institution and a destination financial institution. Patent Documents 1 and 2 describe that account confirmation and transfer processing are performed via such a network.

JP 2003-16258 A JP 2004-252736 A

  However, in the above-described integrated ATM switching service, account confirmation processing can be performed one by one, but a plurality of account confirmation processing cannot be performed at once. For this reason, for example, when paying a large amount of money from an account of a specific destination financial institution to an account of a plurality of destination financial institutions in a pay transfer or the like, there are cases where the transfer is made without performing account confirmation. In such a case, a transfer error may occur due to the absence of the recipient's account, or the presence of the recipient's account but the name being different.

  The present invention has been made in view of such circumstances, and provides an account confirmation apparatus, an account confirmation method, and an account confirmation program for efficiently performing account confirmation from a destination financial institution to accounts of a plurality of destination financial institutions. .

In order to solve the above-described problems, an aspect of the present invention includes a destination financial institution device that manages an account of a destination financial institution that is a transfer source, and a plurality of destination financial institution that is a transfer destination from the destination financial institution. And a plurality of requests that are transfer requests from the destination financial institution's account to a plurality of the destination financial institution's accounts. A request file storage unit that stores a request file including data, an account confirmation message storage unit that stores an account confirmation message for the account of the transfer destination, and a message can be transmitted to the destination financial institution apparatus a route number storage unit the number of connection paths is stored in advance, wherein receiving the request file transmitted from the destination financial institution system, the request file registration unit to be stored in the request file storage unit, before Account confirmation message generation that reads the request file stored in the request file storage unit, generates the account confirmation message for each of the plurality of request data included in the request file, and stores the account confirmation message in the account confirmation message storage unit And the number of used paths used between the target financial institution apparatus is smaller than the number of connection paths stored in the path number storage unit, and the number of used paths is the connection number When it is determined that the number of routes is smaller than the number of routes, the account confirmation message stored in the account confirmation message storage unit is read and transmitted to the destination financial institution apparatus, and the number of used routes is not smaller than the number of connected routes. If it is determined, and account confirmation message sending unit for re-storing the account verification message the to the account verification message storage unit without sending the target destination financial institution system, sending the account confirmation message In response to the account confirmation message transmitted by the department, an account confirmation result message receiving unit that receives an account confirmation result message transmitted from the destination financial institution apparatus, and the account confirmation received by the account confirmation result message receiving unit A result transmission unit that generates a result file for the request file according to a result message and transmits the result file to the destination financial institution apparatus that is a transmission source of the request file, and the account confirmation message transmission unit transmitting the account verification message different destination and destination of the transmitted the account verification message, it is account verification apparatus according to claim.

In addition, according to one aspect of the present invention, in the account confirmation apparatus described above, an affiliated time storage unit in which a time zone in which the destination financial institution receives the account confirmation message is stored; and the account confirmation message storage unit from the account confirmation message Among the account confirmation messages read out by the confirmation message transmission unit, a pending account confirmation message storage unit that stores a pending account confirmation message that is suspended from being transmitted to the destination financial institution apparatus is provided. The confirmation message transmission unit determines whether or not the current time is within the time zone stored in the partner time storage unit, and if it is determined that the current time is within the time zone, the account confirmation message Is transmitted to the destination financial institution apparatus, and when it is determined that the current time is not within the time zone, the account confirmation message is stored in the reserved account confirmation message storage unit without being transmitted to the destination financial institution apparatus. Characterized in that that.

Further, one aspect of the present invention is a destination financial institution apparatus that manages an account of a destination financial institution that is a transfer source, and a plurality of accounts that manage accounts of a plurality of destination financial institutions that are transfer destinations from the destination financial institution. A request file storage unit that is connected to a destination financial institution device and stores a request file including a plurality of request data that are transfer requests from an account of the destination financial institution to a plurality of accounts of the destination financial institution An account confirmation message storage unit that stores an account confirmation message for the account of the transfer destination, and a route number storage unit that stores in advance the number of connection routes that can transmit a message to the destination financial institution device. , a account verification method of account verification apparatus equipped with, receives the request file transmitted from the destination financial institution system, the steps of storing in said request file storage unit, the request file Reads the request file stored in the storage unit, said each of the plurality of request data contained in the request file, the steps of storing and generating the account verification message to the account verification message storage unit, wherein the destination It is determined whether or not the number of used routes used with the financial institution device is smaller than the number of connected routes stored in the route number storage unit, and it is determined that the number of used routes is smaller than the number of connected routes. The account confirmation message stored in the account confirmation message storage unit is read and transmitted to the destination financial institution apparatus, and when it is determined that the number of used routes is not smaller than the number of connected routes, the account wherein the confirmation message and causing again stored in the account verification message storage unit without sending the target destination financial institution system, depending on the account confirmation message you send, the object destination financial A step of receiving an account confirmation result message transmitted from the device; and in response to the received account confirmation result message, a result file for the request file is generated and sent to the destination financial institution device that is the transmission source of the request file An account confirmation method comprising: a transmitting step; and a step of transmitting the account confirmation message at a transmission destination different from the transmission destination of the account confirmation message transmitted previously.

Further, one aspect of the present invention is a destination financial institution apparatus that manages an account of a destination financial institution that is a transfer source, and a plurality of accounts that manage accounts of a plurality of destination financial institutions that are transfer destinations from the destination financial institution. A request file storage unit that is connected to a destination financial institution device and stores a request file including a plurality of request data that are transfer requests from an account of the destination financial institution to a plurality of accounts of the destination financial institution An account confirmation message storage unit that stores an account confirmation message for the account of the transfer destination, and a route number storage unit that stores in advance the number of connection routes that can transmit a message to the destination financial institution device. , the computer account verification apparatus equipped with, receives the request file transmitted from the destination financial institution system, the steps of storing in said request file storage unit, the request file storage Reads the request file that is stored in, the each of the plurality of request data contained in the request file, the steps of generating the account verification message is stored in the account confirmation message storage unit, wherein the destination financial institution When it is determined whether or not the number of used paths used with the device is smaller than the number of connection paths stored in the path number storage unit, and it is determined that the number of used paths is smaller than the number of connection paths , When the account confirmation message stored in the account confirmation message storage unit is read and transmitted to the destination financial institution apparatus, and it is determined that the number of used routes is not smaller than the number of connected routes, the account confirmation message wherein the step of re-stored in the account verification message storage unit without sending the target destination financial institution system, depending on the account confirmation message that transmitted, the target destination financial institution system Receiving the account confirmation result message transmitted from the server, generating a result file for the request file according to the received account confirmation result message, and transmitting the result file to the destination financial institution apparatus that is the transmission source of the request file And a step of transmitting the account confirmation message at a transmission destination different from the transmission destination of the account confirmation message transmitted previously.

  As described above, according to the present invention, the destination financial institution apparatus that manages the account of the destination financial institution that is the transfer source, and the accounts of the plurality of destination financial institutions that are the transfer destinations from the destination financial institution are managed. An account confirmation device connected to a plurality of destination financial institution devices receives a request file transmitted from the destination financial institution device, and generates an account confirmation message for each of a plurality of request data included in the request file. Send to the destination financial institution device, receive the account confirmation result message sent from the destination financial institution device according to the sent account confirmation message, and receive the result file for the request file according to the received account confirmation message Is generated and sent to the destination financial institution device that is the source of the request file, so it is possible to efficiently check the account from the destination financial institution to multiple destination financial institutions. It made.

It is a block diagram which shows the structural example of the account confirmation system by one Embodiment of this invention. It is a figure which shows the example of data of the alliance time by one Embodiment of this invention. It is a figure which shows the example of data of the request file by one Embodiment of this invention. It is a figure which shows the example of data of the request file by one Embodiment of this invention. It is a figure which shows the example of data of the header record contained in the request file by one Embodiment of this invention. It is a figure which shows the data example of the data record contained in the request file by one Embodiment of this invention. It is a figure which shows the example of data of the account confirmation message | telegram by one Embodiment of this invention. It is a flowchart which shows the operation example of the account confirmation message | telegram production | generation process by one Embodiment of this invention. It is a flowchart which shows the operation example performed while controlling the account confirmation message | telegram transmission process by one Embodiment of this invention according to a load condition etc. FIG. It is a flowchart which shows the operation example of the account confirmation message | telegram reception process by one Embodiment of this invention.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a block diagram showing a configuration of an account confirmation system 1 according to the present embodiment. The account confirmation system 1 includes a plurality of destination financial institution systems 100-1, a destination financial institution system 100-2,..., A plurality of destination financial institution systems 200-1, a destination financial institution system 200-2,. .., And an integrated ATM system 300 and an account confirmation device 400. Here, since the plurality of destination financial institution systems 100-1, the destination financial institution system 100-2,... Have the same configuration, they will be described as the destination financial institution system 100 unless otherwise distinguished. In the figure, two destination financial institution systems 100 are shown, but three or more destination financial institution systems 100 may be connected. Similarly, since the plurality of destination financial institution systems 200-1, the destination financial institution system 200-2,... Have the same configuration, they will be described as the destination financial institution system 200 unless otherwise distinguished. In the figure, two destination financial institution systems 200 are shown, but three or more destination financial institution systems 200 may be connected.

The destination financial institution system 100 is a transfer source computer system for making a transfer to an account managed by the destination financial institution system 200, and includes a financial institution server 101, an ATM (Automatic teller machine) 102, a circumscribed GW (Gateway). ) A computer device with the device 103 is provided.
The financial institution server 101 is a computer device that stores account information of a user who has contracted in advance. In the financial institution server 101, for example, a request file including a plurality of request data, which is a transfer request from a specific account to another account on a predetermined salary date, is input and stored. Here, a request file generated by a company that is a customer of the destination financial institution may be stored in a storage medium such as a CD (Compact Disk), and may be input by the financial institution server 101 reading it from the storage medium. In response to a request from a company that is a customer of the destination financial institution, the destination financial institution may generate the request using the financial institution server 101. The request file is transmitted to the account confirmation apparatus 400 via the external GW apparatus 103.

The ATM 102 is an automatic teller machine that performs processing such as depositing and saving of a user's ordinary savings using a cash card or a passbook. Here, an example in which the destination financial institution system 100 includes the ATM 102 will be described. However, the destination financial institution system 100 may not include the ATM 102. In the present embodiment, the ATM 102 is connected to the financial institution server 101 and the external GW apparatus 103, but may not be directly connected to the external GW apparatus 103.
The circumscribed GW apparatus 103 is a computer apparatus that connects the financial institution server 101 and the ATM 102, the account confirmation apparatus 400, and the integrated ATM system 300. However, the external GW apparatus 103 may not be connected to the ATM 102.

The destination financial institution system 200 is a transfer destination computer system that transfers money from an account managed by the destination financial institution system 100. The destination financial institution system 200 includes a financial institution server 201 and a circumstance GW apparatus 202. And.
The financial institution server 201 is an account-type computer device that stores account information of a user who has contracted in advance. The financial institution server 201 transmits an account confirmation result message according to the account confirmation message transmitted from the integrated ATM system 300.
The circumscribed GW apparatus 202 is a computer apparatus that connects the financial institution server 201 and the integrated ATM system 300.

  The integrated ATM system 300 is a computer system that performs a public online relay service that interconnects ATMs and CDs (Cash Dispensers) between financial institutions. For example, the integrated ATM system 300 provides an integrated ATM switching service. The integrated ATM system 300 provides services such as cash payment, balance inquiry, account confirmation, and transfer business. Here, the integrated ATM system 300 will be described as an example of a computer system that connects the destination financial institution system 100, the account confirmation apparatus 400, and the destination financial institution system 200, but there are actually a plurality of integrated ATM systems 300. It may be a network composed of a single computer device, and other similar networks may be applied.

  The account confirmation apparatus 400 has a plurality of destination financial institution systems 100 that manage accounts of a plurality of destination financial institutions that are transfer sources, and a plurality of accounts that manage accounts of a plurality of destination financial institutions that are transfer destinations from the destination financial institutions. Computer apparatus connected to the destination financial institution system 200. The account confirmation device 400 includes a peak time storage unit 401, a partner time storage unit 402, a path number storage unit 403, a request file storage unit 404, an account confirmation message storage unit 405, and a pending account confirmation message storage unit 406. A request file registration unit 407, an account confirmation message generation unit 408, an account confirmation message transmission unit 409, an account confirmation result message reception unit 410, and a result transmission unit 411.

  The peak time storage unit 401 stores information indicating the peak time when the integrated ATM system 300 is used. The peak time is expressed, for example, every month, every day, or every hour. For example, information such as a salary date, in which salary payments are often made, is stored.

  The affiliated time storage unit 402 stores a time period during which the destination financial institution accepts an account confirmation message. In the present embodiment, for each combination of a destination financial institution and a destination financial institution, a time zone in which the destination financial institution accepts an account confirmation message from the destination financial institution is associated and stored. FIG. 2 is a diagram illustrating an example of alliance time information stored in the alliance time storage unit 402. Here, for each combination of a destination financial institution and a destination financial institution, information indicating a time zone pattern in which the destination financial institution accepts an account confirmation message from the destination financial institution is associated. For example, pattern 1 indicates that the tie-up time is a time zone from 9:00 to 15:00, and pattern 2 indicates that the tie-up time is 24 hours. In the present embodiment, an example in which two types of patterns are associated with each other will be described. However, in the time zone of the alliance time, there may be other patterns, and the start time and the end without patterning. It is good also as a structure which matches time.

  The route number storage unit 403 stores in advance the number of connection routes that can be transmitted from the integrated ATM system 300 to the destination financial institution system 200. The number of connection paths is the number of logical paths drawn between the integrated ATM system 300 and the destination financial institution system 200, and indicates the number of messages allowed to be transmitted simultaneously. Indicates the thickness. In the present embodiment, when the account confirmation apparatus 400 transmits an account confirmation message to the financial institution system 200, it is determined whether or not there is a free route based on the number of connection routes. If it exists, an account confirmation message is transmitted, and if there is no free route, the account confirmation message is not transmitted.

  The request file storage unit 404 stores a request file including a plurality of request data that are transfer requests from accounts of a plurality of destination financial institutions to accounts of a plurality of destination financial institutions. A batch transfer request format that conforms to the Zenginkyo Record format can be applied to the request file, and information generated for making a transfer request between a company and a financial institution can be used as it is. This makes it easy to introduce the configuration of this embodiment into an existing system. As the request file, for example, a request file such as general transfer, salary transfer, bonus transfer or the like can be applied.

  FIG. 3 is a diagram illustrating an example of the data format of the request file. The request file includes a header record, a data record, a trailer record, and an end record. The header record includes information of the transfer source. The data record includes information on the transfer destination. The trailer record includes information such as the total number of data records by the request file and the total amount. The end record includes information indicating the end of the request file. One request file includes a plurality of data records. In the present embodiment, each data record is referred to as a request record. The request file can also be configured as shown in FIG. FIG. 5 is a diagram showing a data example of a header record included in a request file transmitted from the destination financial institution system 100 and a result file returned to the destination financial institution system 100 according to the request file. Since the header record in the result file is generated by adding data to the header record of the request file, it will be described together with this figure. The header record includes information for identifying the destination financial institution and the client. Of the data shown in the figure, “file identifier” is data included only in the result file, and is not included in the request file. In the request file, the file identifier is also a dummy, and the number of digits (dummy 2 digits + file identifier 4 digits + dummy 11 digits = 17 digits) combined with the upper and lower dummies is dummy.

  FIG. 6 is a diagram illustrating a data example of a data record included in a request file transmitted from the destination financial institution system 100 and a result file returned to the destination financial institution system 100 according to the request file. Similar to the header record, the data record in the result file is generated by adding data to the data record of the request file, and will be described together with this figure. The data record includes information such as the destination financial institution, the account number of the transfer destination, and the name of the payee (in the name of the payee). Among the data shown in the figure, the “recipient account confirmation result flag” is data included only in the result file, and is not included in the request file. In the request file, the recipient account confirmation result flag is also a dummy, and the data of the number of digits combined with the lower dummy (recipient account confirmation result flag 1 digit + dummy 6 digits = 7 digits) is a dummy. In this embodiment, in order to manage the state of each request file and each request record, information indicating the status is associated with each request file and each request record. As the status of the request file, for example, “accepted”, “waiting for return”, “returned”, and the like are associated. As the status of the request data, for example, “unprocessed”, “inquired”, “with error”, and the like are associated.

The account confirmation message storage unit 405 stores an account confirmation message transmitted via the integrated ATM system 300 to the transfer destination account. The account confirmation message is generated and stored by the account confirmation message generation unit 408 based on the request file stored in the request file storage unit 404. FIG. 7 is a diagram illustrating an example of data of an account confirmation message. The account confirmation message includes information such as message type, financial institution code, branch code, subject, account number, account name, destination financial institution code, destination branch code, and the like. The message type indicates a message type such as an account confirmation message and an account confirmation result message. The financial institution code is information for identifying a destination financial institution which is a transmission destination of a message and is a target of account confirmation. The branch code is information for identifying a branch of a destination financial institution that is a transmission destination of a message and is a target of account confirmation. The course is information indicating the course of the account that is the target of account confirmation. The account number is information for identifying an account that is a target of account confirmation.
The account name is information indicating the name of the account that is the object of account confirmation. The account name is blank in the account confirmation message, and in the account confirmation result message, the name corresponding to the account number is recorded by the financial institution server 201 of the destination financial institution. The destination financial institution code is information for identifying the destination financial institution that is the transmission source of the message. The destination branch code is information for identifying the branch of the destination financial institution that is the transmission source of the message.

In the account confirmation message storage unit 406, the account confirmation message read from the account confirmation message storage unit 405 by the account confirmation message transmission unit 409 is stored in the account confirmation message. A message is stored.
The request file registration unit 407 receives request files transmitted from the plurality of destination financial institution systems 100 and stores them in the request file storage unit 404. Alternatively, the request file registration unit 407 can read a storage medium such as a CD in which the request file generated by the destination financial institution is stored, and store the read request file in the request file storage unit 404.

  The account confirmation message generation unit 408 reads the request file stored in the request file storage unit 404, generates an account confirmation message for each of a plurality of request data included in the request file, and stores it in the account confirmation message storage unit 405. Let For example, the destination bank number, destination branch number, deposit type, account number in the request data, and the destination bank number and destination branch number in the header record of the request file containing the request data are the financial institution codes in the account confirmation message. , Branch code, subject, account number, destination financial institution code, destination branch code. The message type is associated with information predetermined for the account confirmation message. The account name is left blank in the account confirmation message.

  The account confirmation message transmission unit 409 reads the account confirmation message stored in the account confirmation message storage unit 405, and sends the read account confirmation message to the account confirmation target indicated in the account confirmation message via the integrated ATM system 300. The data is transmitted to the destination financial institution system 200. Here, the account confirmation message transmission unit 409 acquires the current time from the time counting function provided by itself, and determines whether or not the acquired current time is within the time zone stored in the affiliated time storage unit 402. When it is determined that the current time is within the time zone, an account confirmation message is transmitted to the destination financial institution system 200, and when it is determined that the current time is not within the time zone, the account confirmation message is transmitted to the destination financial institution system 200. The stored account confirmation message storage unit 406 stores the stored account information without transmitting to the account. As a result, it is possible to determine whether or not to transmit the account confirmation message according to the predetermined tie-up time, and to transmit the account confirmation message only within the tie-up time.

  Further, when the account confirmation message transmission unit 409 determines that the current time is within the time zone of the alliance time, the account confirmation message transmission unit 409 reads the hold account confirmation message stored in the hold account confirmation message storage unit 406 preferentially to receive the targeted financial statement. After transmitting to the institution system 200, the account confirmation message stored in the account confirmation message storage unit 405 is read and transmitted to the destination financial institution system 200. As a result, the account confirmation message whose transmission has been suspended because it is outside the partnership time can be transmitted again within the partnership time.

  Further, the account confirmation message transmission unit 409 acquires information indicating the number of used routes currently used by the destination financial institution that is the transmission destination of the account confirmation message from the integrated ATM system 300. The integrated ATM system 300 transmits information indicating the number of used routes in response to an acquisition request for the number of used routes. The account confirmation message transmission unit 409 reads the number of connection paths corresponding to the destination financial institution that is the destination of the account confirmation message from the path number storage unit 403, and acquires the destination financial institution system 200 acquired from the integrated ATM system 300. It is determined whether or not the number of used routes used between and is smaller than the number of connected routes read from the route number storage unit 403. If it is determined that the number of used routes is smaller than the number of connected routes, an account confirmation message is transmitted to the destination financial institution system 200. If it is determined that the number of used routes is not smaller than the number of connected routes, the account confirmation message is sent to the destination financial. The account confirmation message storage unit 405 stores the information again without transmitting to the institution system 200. As a result, it is possible to determine whether or not to transmit the account confirmation message according to the number of routes, and to transmit the account confirmation message only when the number of used routes is equal to or less than the number of connected routes.

  Here, the account confirmation message transmission unit 409 does not acquire the number of used routes from the integrated ATM system 300, but transmits a message when the account confirmation message transmission unit 409 transmits a message to the destination financial institution system 200. And the number of connection routes, which is a predetermined upper limit number of lines, may be compared. As a result, it is possible to prevent an amount of messages exceeding the defined number of connection paths from flowing into the line to the financial institution system 200, and to prevent an excessive amount of account confirmation messages from overloading the line. It becomes.

  The account confirmation result message receiving unit 410 receives the account confirmation result message transmitted from the destination financial institution system 200 according to the account confirmation message transmitted from the account confirmation message transmission unit 409 to the destination financial institution system 200. The account confirmation result message has the same configuration as the account confirmation message shown in FIG. 7, and the account name in the account confirmation message is blank, whereas the account name corresponding to the account number exists in the destination financial institution. In that case, an account confirmation result message associated with the account name is returned. If the account name corresponding to the account number does not exist in the destination financial institution, an account confirmation result message in which the account name remains blank is returned. When the account confirmation message is transmitted to the target financial institution system 200 but the account confirmation is not performed because there is no available route, the account confirmation result message associated with the information “no available route” is displayed. Returned.

  The result transmitting unit 411 generates a result file for the request file transmitted from the destination financial institution system 100 according to the account confirmation result message received by the account confirmation result message receiving unit 410, and the generated result file is requested The file is transmitted to the destination financial institution system 100 which is the transmission source of the file. Here, in the case where the account name is included in the account confirmation result message received by the account confirmation result message receiving unit 410, the result transmission unit 411 includes the account name and the request data that is the source of the transmitted account confirmation message. It is determined whether or not the recipient name matches, and the determination result is associated with the result file. For example, with respect to the request file shown in FIGS. 3 to 6, the result file associates the determination result with the “dummy” item of the data record shown in FIG. For example, if the determination result is “0”, it indicates that the name matches, “1” indicates that the name does not match, and if it is “2”, the account number does not exist. Can be shown. For example, if it is determined that there is a format error in the request file, a result file in which information indicating this is associated is transmitted to the destination financial institution system 100. As the error code of the request file, for example, “A” indicates that the financial institution code of the destination financial institution is not a number, and “C” indicates that the branch code of the destination financial institution is not a number. "J" can indicate that the character code of the request file does not correspond.

Next, an operation example of the account confirmation apparatus 400 according to the present embodiment will be described with reference to the drawings. FIG. 8 is a flowchart illustrating an operation example of account confirmation message generation processing by the account confirmation apparatus 400. Hereinafter, in the branch of the flowchart, “Y” indicates YES and “N” indicates NO.
The request file registration unit 407 of the account confirmation apparatus 400 receives the request file transmitted from the destination financial institution system 100 and stores it in the request file storage unit 404 (step S1). Further, the request file storage unit 404 stores “accepted” in association with the status of the request file stored in the request file storage unit 404 (step S2).

  The account confirmation message generation unit 408 reads the request file stored in the request file storage unit 404 and determines whether or not the read request file conforms to the format as described above (step S3). . If the account confirmation message generation unit 408 determines that the request file conforms to the determined format (step S3: Y), the request data included in the request file is read one by one. The account confirmation message generation unit 408 determines whether the request data conforms to the determined format (step S4).

  If the account confirmation message generation unit 408 determines that the request data conforms to the determined format (step S4: Y), the account confirmation message generation unit 408 generates an account confirmation message based on the request data and stores it in the account confirmation message storage unit 405. Store (step S5). Then, “inquired” is stored in association with the status of the request data (step S6). The account confirmation message transmission unit 409 reads the account confirmation message stored in the account confirmation message storage unit 405, and transmits it to the destination financial institution system 200 via the integrated ATM system 300 (step S7). In step S4, when the account confirmation message generation unit 408 determines that the request data does not conform to the determined format (step S4: N), the status of the request data is updated in association with “error present”. The account confirmation message transmission unit 409 determines whether there is unprocessed request data included in the request file stored in the request file storage unit 404 (step S9).

If the account confirmation message transmitting unit 409 determines that there is unprocessed request data (step S9: Y), the process returns to step S4. If it is determined that there is no unprocessed request data (step S9: N), the status of the request file is updated to “waiting for return” (step S10), and the process ends.
If the account confirmation message generator 408 determines in step S3 that the request file does not conform to the determined format (step S3: N), the processing data included in the request file is read one by one (step S11: Y). ) And store “error present” in association with the status (step S12). When “error present” is associated with the status of all request data (step S11: N), the result transmission unit 411 reads the request file from the request file storage unit 404, and indicates that there is an error according to the status. A file is generated (step S13). The result transmission unit 411 updates the status of the request file to “returned” (step S14), transmits the result file to the destination financial institution system 100 that is the transmission source of the request file (step S15), and ends the processing. .

  The account confirmation message transmission process in step S7 described above may be transmitted to the destination financial institution system 200 one by one each time it is generated according to the flow as described above, but is transmitted while being controlled according to the load situation or the like. You can also FIG. 9 is a flowchart illustrating an operation example in which the account confirmation message transmission process is performed while being controlled according to the load status or the like. Here, the process shown in this figure can be performed in parallel with the process shown in FIG.

  The account confirmation message transmission unit 409 refers to the account confirmation message storage unit 405 and the pending account confirmation message storage unit 406, and determines whether or not an unprocessed account confirmation message is stored (step S19). . If there is no unprocessed account confirmation message (step S19: N), the process of step S19 is repeated, and the process waits until the account confirmation message is stored. If there is an unprocessed account confirmation message (step S19: Y), the account confirmation message transmission unit 409 acquires the current time from its own time counting function, and the current time is the time of pattern 1 (from 9 o'clock to 15 o'clock). It is determined whether it is within (step S20). When the account confirmation message transmission unit 409 determines that the current time is within the time of the pattern 1 (step S20: Y), the pending account confirmation message stored in the pending account confirmation message storage unit 406 is read (step S21). . Here, the pending account confirmation message stored in the pending account confirmation message storage unit 406 is preferentially read over the account confirmation message stored in the account confirmation message storage unit 405, and the pending account confirmation message storage unit 406 is read out. If there is no pending account confirmation message, the account confirmation message stored in the account confirmation message storage unit 405 is read.

  If the account confirmation message transmission unit 409 determines in step S20 that the current time is not within the time of pattern 1 (step S20: N), the account confirmation message stored in the account confirmation message storage unit 405 is read (step S22). ). Then, the account confirmation message transmission unit 409 reads the alliance time corresponding to the combination of the destination financial institution and the destination financial institution indicated in the read account confirmation message from the alliance time storage unit 402, and the current time is the destination financial institution. It is determined whether it is within the alliance time for the institution (step S23). If the account confirmation message transmission unit 409 determines that the current time is not within the tie-up time for the financial institution (N in step S23), the account confirmation message is stored in the pending account confirmation message storage unit 406 (step S24). Return to step S20.

  When the account confirmation message transmission unit 409 determines that the current time is within the tie-up time for the financial institution to which it is sent (step S23: Y), the peak time stored in the peak time storage unit 401 is read, and the current time is the peak time. It is determined whether or not the band is outside (step S25). If the account confirmation message transmission unit 409 determines that the current time is not outside the peak time zone (step S25: N), the account confirmation message transmission unit 409 delays the account confirmation message transmission process (step S26). Here, for example, delaying the transmission process may be to wait for a certain period of time at this time, or to increase the transmission interval time of the account confirmation message, and within a certain period of time. The number of account confirmation messages to be transmitted may be reduced. By providing such a transmission delay, it is possible to control the flow rate of messages in the integrated ATM system 300, and the integrated ATM system 300 can be expected to operate stably as a whole.

  Further, the account confirmation message transmission unit 409 determines whether or not the destination financial institution of the read account confirmation message is the same as the account confirmation message transmitted immediately before (step S27). Here, when the account confirmation message transmission unit 409 continuously transmits the account confirmation messages to the same destination financial institution system 200, only the load with the destination financial institution system 200 becomes excessively high. Since there is a possibility, control to distribute the transmission of account confirmation message. That is, if the account confirmation message transmission unit 409 determines that the destination financial institution of the account confirmation message is not the same as the account confirmation message transmitted immediately before (step S27: N), the process proceeds to step S29. On the other hand, when the account confirmation message transmission unit 409 determines that the destination financial institution of the account confirmation message is the same as the account confirmation message transmitted immediately before (step S27: Y), there is an account confirmation message waiting for transmission. It is determined whether or not to perform (step S28). If it is determined that there is an account confirmation message waiting for transmission (step S28: Y), the account confirmation message is stored again in the account confirmation message storage unit 405 (step S31), and the process returns to step S20.

  In step S28, if the account confirmation message transmitting unit 409 determines that there is no account confirmation message waiting to be transmitted (step S28: N), the number of used routes is acquired from the integrated ATM system 300, and the number-of-routes storage unit 403 is acquired. Is compared with the number of connection paths stored in (step S29). If it is determined that the use path of the target financial institution to the target financial institution system 200 is equal to or greater than the number of connection paths of the target financial institution to the target financial institution system 200 (step S29: Y), the process proceeds to step S31. move on. If it is determined that the use path of the destination financial institution to the destination financial institution system 200 is not equal to or greater than the number of connection paths of the destination financial institution to the destination financial institution system 200 (step S29: N), the destination financial institution An account confirmation message is transmitted to the system 200 (step S30), and the process returns to step S19.

FIG. 10 is a flowchart showing an operation example of the account confirmation message reception process by the account confirmation apparatus 400.
The account confirmation result message receiving unit 410 receives the account confirmation result message transmitted from the destination financial institution system 200 according to the account confirmation message transmitted from the account confirmation message transmission unit 409 to the destination financial institution system 200 ( Step S40). The result transmission unit 411 determines whether or not the account confirmation result message received by the account confirmation result message reception unit 410 indicates “no available route”. If the result transmitting unit 411 determines that the received account confirmation result message does not indicate “no available route” (step S41: N), the result transmission unit 411 generates a result file based on the received account confirmation result message (step S42). The generated result file is transmitted to the destination financial institution system 100 that is the transmission source of the request file (step S43), and the process is terminated.

  In step S41, when the result transmitting unit 411 determines that the received account confirmation result message indicates “no available route” (step S41: Y), it determines whether or not the account confirmation message has been processed a specified number of times. (Step S44). Here, for example, the account confirmation message transmitting unit 409 stores the number of times the same account confirmation message has been transmitted to the destination financial institution system 200 in its own storage area. On the other hand, the result transmission unit 411 stores a threshold of the prescribed number in advance in its own storage area, and compares this threshold with the number of times the account confirmation message transmission unit 409 has transmitted the account confirmation message. If the result transmission unit 411 determines that the account confirmation message has been processed more than the specified number of times (step S44: Y), the status of the request data is associated with “error present” and stored (step S45), and the process is terminated. If the result transmission unit 411 determines in step S44 that the account confirmation message has not been processed more than the specified number of times (step S44: N), the account confirmation message is stored in the account confirmation message generation unit 408 (step S46), and the process is performed. Exit.

  As described above, according to the present embodiment, the account confirmation device 400 receives a request file indicating a transfer request conforming to the Zenginkyo record format, and receives an account confirmation message corresponding to a plurality of request data included in the request file. Is generated, the account is confirmed to the destination financial institution system 200, and a result file including the account confirmation result is transmitted to the destination financial institution system 100. As a result, the destination financial institution system 100 can acquire the result of the account confirmation without performing new processing or the like by transmitting the request file to the account confirmation apparatus 400. A transfer request can be made based on this. Here, since the account confirmation is performed via the integrated ATM system 300, the result can be obtained immediately in about one day at the latest, and when the account confirmation is performed through the existing service, the result is obtained. Compared to the case where about 3 or 4 days are required, an account confirmation result can be obtained quickly and efficiently.

  In the present embodiment, since the account confirmation apparatus 400 is connected to the outside of the plurality of destination financial institution systems 100, a large amount of request files transmitted from the plurality of destination financial institution systems 100 can be aggregated. The flow rate can be controlled in consideration of the load of the integrated ATM system 300. However, the account confirmation apparatus 400 may be provided inside the destination financial institution system 100. Even in this case, it is possible to perform control based on the alliance time in the same manner.

  Note that the program for realizing the function of the processing unit in the present invention is recorded on a computer-readable recording medium, and the program recorded on the recording medium is read into the computer system and executed to confirm the account. May be. Here, the “computer system” includes an OS and hardware such as peripheral devices. The “computer system” includes a WWW system having a homepage providing environment (or display environment). The “computer-readable recording medium” refers to a storage device such as a flexible medium, a magneto-optical disk, a portable medium such as a ROM and a CD-ROM, and a hard disk incorporated in a computer system. Further, the “computer-readable recording medium” refers to a volatile memory (RAM) in a computer system that becomes a server or a client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those holding programs for a certain period of time are also included.

  The program may be transmitted from a computer system storing the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the “transmission medium” for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

1 Account Confirmation System 100 Destination Financial Institution System 101 Financial Institution Server 102 ATM
DESCRIPTION OF SYMBOLS 103 External GW apparatus 200 Target financial institution system 201 Financial institution server 202 External GW apparatus 300 Integrated ATM system 400 Account confirmation apparatus 401 Peak time memory | storage part 402 Alliance time memory | storage part 403 Path number memory | storage part 404 Request file memory | storage part 405 Account Confirmation message storage unit 406 Hold account confirmation message storage unit 407 Request file registration unit 408 Account confirmation message generation unit 409 Account confirmation message transmission unit 410 Account confirmation result message reception unit 411 Result transmission unit

Claims (4)

Connected to the destination financial institution device that manages the account of the destination financial institution that is the transfer source, and to the plurality of destination financial institution devices that manage the accounts of the plurality of destination financial institutions that are the transfer destinations from the destination financial institution An account verification device,
A request file storage unit that stores a request file including a plurality of request data that are transfer requests from the account of the destination financial institution to a plurality of accounts of the destination financial institution;
An account confirmation message storage unit for storing an account confirmation message for the account of the transfer destination;
A path number storage unit in which the number of connection paths that can transmit a message to the destination financial institution apparatus is stored in advance;
A request file registration unit that receives the request file transmitted from the destination financial institution apparatus and stores the request file in the request file storage unit;
An account confirmation message that reads the request file stored in the request file storage unit, generates the account confirmation message for each of the plurality of request data included in the request file, and stores the account confirmation message in the account confirmation message storage unit A generator,
It is determined whether the number of used routes used with the destination financial institution apparatus is smaller than the number of connection routes stored in the route number storage unit, and the number of used routes is greater than the number of connection routes. When it is determined that the number is smaller, the account confirmation message stored in the account confirmation message storage unit is read and transmitted to the destination financial institution device, and the number of used routes is determined not to be smaller than the number of connected routes An account confirmation message transmission unit that stores the account confirmation message again in the account confirmation message storage unit without transmitting the account confirmation message to the destination financial institution apparatus ;
In accordance with the account confirmation message transmitted by the account confirmation message transmission unit, an account confirmation result message receiving unit that receives an account confirmation result message transmitted from the destination financial institution apparatus;
In response to the account confirmation result message received by the account confirmation result message reception unit, a result transmission unit that generates a result file for the request file and transmits the result file to the destination financial institution apparatus that is the transmission source of the request file;
With
The account confirmation message transmission unit transmits the account confirmation message of a transmission destination different from the transmission destination of the account confirmation message transmitted previously;
The account confirmation apparatus characterized by the above-mentioned.   A partner time storage unit in which a time zone for the destination financial institution to accept the account confirmation message is stored;
  Among the account confirmation messages read out from the account confirmation message storage unit by the account confirmation message transmission unit, a pending account confirmation message in which a pending account confirmation message for which transmission to the destination financial institution device is suspended is stored is stored. A storage unit,
  The account confirmation message transmission unit determines whether or not the current time is within the time zone stored in the partner time storage unit, and determines that the current time is within the time zone, the account When a confirmation message is transmitted to the destination financial institution device and it is determined that the current time is not within the time zone, the account confirmation message is not transmitted to the destination financial institution device, but is stored in the reserved account confirmation message storage unit. Remember
  The account confirmation apparatus according to claim 1, wherein: Connected to the destination financial institution device that manages the account of the destination financial institution that is the transfer source, and to the plurality of destination financial institution devices that manage the accounts of the plurality of destination financial institutions that are the transfer destinations from the destination financial institution A request file storage unit that stores a request file including a plurality of request data that are transfer requests from the account of the destination financial institution to a plurality of accounts of the destination financial institution, and an account for the account of the transfer destination Account confirmation device account comprising: an account confirmation message storage unit that stores a confirmation message; and a route number storage unit that stores in advance the number of connection paths that can transmit a message to the destination financial institution device. Check method,
Receiving the request file transmitted from the destination financial institution apparatus and storing it in the request file storage unit;
Reading the request file stored in the request file storage unit, generating the account confirmation message for each of the plurality of request data included in the request file, and storing the account confirmation message in the account confirmation message storage unit;
It is determined whether the number of used routes used with the destination financial institution apparatus is smaller than the number of connection routes stored in the route number storage unit, and the number of used routes is greater than the number of connection routes. When it is determined that the number is smaller, the account confirmation message stored in the account confirmation message storage unit is read and transmitted to the destination financial institution device, and the number of used routes is determined not to be smaller than the number of connected routes Storing the account confirmation message in the account confirmation message storage unit again without transmitting it to the destination financial institution device ;
Receiving an account confirmation result message transmitted from the destination financial institution device according to the transmitted account confirmation message;
In response to the received account confirmation result message, generating a result file for the request file, and transmitting the result file to the destination financial institution apparatus that is the transmission source of the request file;
Transmitting the account confirmation message at a destination different from the destination of the account confirmation message transmitted before;
An account confirmation method comprising: Connected to the destination financial institution device that manages the account of the destination financial institution that is the transfer source, and to the plurality of destination financial institution devices that manage the accounts of the plurality of destination financial institutions that are the transfer destinations from the destination financial institution A request file storage unit that stores a request file including a plurality of request data that are transfer requests from the account of the destination financial institution to a plurality of accounts of the destination financial institution, and an account for the account of the transfer destination A computer of an account confirmation device comprising: an account confirmation message storage unit that stores a confirmation message; and a route number storage unit that stores in advance the number of connection routes that can transmit a message to the destination financial institution device. In addition,
Receiving the request file transmitted from the destination financial institution apparatus and storing it in the request file storage unit;
Reading the request file stored in the request file storage unit, generating the account confirmation message for each of the plurality of request data included in the request file, and storing the account confirmation message in the account confirmation message storage unit;
It is determined whether the number of used routes used with the destination financial institution apparatus is smaller than the number of connection routes stored in the route number storage unit, and the number of used routes is greater than the number of connection routes. When it is determined that the number is smaller, the account confirmation message stored in the account confirmation message storage unit is read and transmitted to the destination financial institution device, and the number of used routes is determined not to be smaller than the number of connected routes Storing the account confirmation message in the account confirmation message storage unit again without transmitting it to the destination financial institution device ;
Receiving an account confirmation result message transmitted from the destination financial institution device according to the transmitted account confirmation message;
In response to the received account confirmation result message, generating a result file for the request file, and transmitting the result file to the destination financial institution apparatus that is the transmission source of the request file;
Transmitting the account confirmation message at a destination different from the destination of the account confirmation message transmitted before;
Account confirmation program to execute.

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